The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$17,630
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,179
−HK$557/mo
Today · 4.125%
HK$18,736
baseline
▲ 0.50% · 4.625%
HK$19,876
+HK$1,140/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,472/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,614
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,140
−HK$533/mo
Today · 4.125%
HK$20,673
baseline
▲ 0.50% · 4.625%
HK$21,763
+HK$1,090/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,346/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,156
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,815
−HK$668/mo
Today · 4.125%
HK$22,483
baseline
▲ 0.50% · 4.625%
HK$23,851
+HK$1,368/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,966/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,536
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,168
−HK$640/mo
Today · 4.125%
HK$24,808
baseline
▲ 0.50% · 4.625%
HK$26,116
+HK$1,308/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,616/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,683
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,450
−HK$780/mo
Today · 4.125%
HK$26,230
baseline
▲ 0.50% · 4.625%
HK$27,826
+HK$1,596/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,460/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,459
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,196
−HK$747/mo
Today · 4.125%
HK$28,943
baseline
▲ 0.50% · 4.625%
HK$30,468
+HK$1,525/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,886/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,735
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,722
−HK$1,003/mo
Today · 4.125%
HK$33,725
baseline
▲ 0.50% · 4.625%
HK$35,777
+HK$2,052/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$67,450/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$231,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,305
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,251
−HK$961/mo
Today · 4.125%
HK$37,212
baseline
▲ 0.50% · 4.625%
HK$39,173
+HK$1,961/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$74,424/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$231,953 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).